It has been another rough year for Obamacare. Implementing the main components of President Obama’s signature health-care law in time for a January 2014 rollout date remains a struggle. A majority of state governments continue to resist the Affordable Care Act’s expansion of Medicaid, and only about a third of them have agreed to set up state-administered insurance exchanges. In early July, Treasury officials announced that they would have to delay enforcement of the law’s employer mandate until 2015. The feasibility of other provisions, like the individual mandate to purchase government-approved coverage, remains in doubt. Even if the technological infrastructure required for the new insurance-coverage and subsidy platforms doesn’t crash during this fall’s first season of open enrollment, there are other obstacles to overcome. Many potential applicants will face the sticker shock of higher premiums, while others may take advantage of the “honor system” process for determining eligibility for income-based subsidies as enrollment opens for state exchanges.